1.25% (Not a credit, charge, or debit card and has no activation fee. Redeemable at US, Puerto Rico, and US Virgin Island retailers where The American Express Card is accepted. Includes mail order and online merchants. Not redeemable at cruise lines, for recurring billing purchases, at casinos, or ATMs. Usage restrictions apply for international airlines. Subject to applicable law, beginning 12 months after the date your Gift Card was purchased by Great Lakes Scrip Center, a monthly service fee of $2.00 will be deducted from your remaining balance. Note: because this is an "open-loop gift card", this service fee and expiration applies to all states, even those with non-expiration date laws. Please read their terms and conditions found on their website for pay at the pump gas purchases.)